I finally read the whole thread...and have a few comments:
It's really great to see newbies asking how to stay out of trouble instead of how to recover from it! There are no stupid questions, only those you need answered...and none of us were born knowing those answers, we all had to learn them...so keep on asking
anything!
This needs a little correction:
5) The HEAD is the culprits since, body weight and "cough cough" wiggles tend to loosen the hoses. The top of the bowl is normally blow water line of boat. I replaced my Jabsco standard to their new head pump that has a "twist lock" to block the bowl water source at the head pump.
The head INTAKE is the source of water entering the bowl...the "twist lock" only blocks backflow from the DISCHARGE line, it does not close off the intake.Only the intake seacock can do that.
Relying on the wet/dry valve to keep water from flooding and overflowing the bowl is a good way to sink a boat, 'cuz people are fallible , and wet/dry valves do fail. And while it's just a backup "failsafe" that should never be relied on as a replacement for closing the seacock, all toilets at or below the water
must have a vented loop (anti-siphon device) in the intake. Do NOT install it in the intake line between the thru-hull and the pump...it has to go between the pump and bowl, which requires replacing the short piece of hose the toilet mfr used to connect them with enough hose to put the loop at least 6-8" above waterline AT ANY ANGLE OF HEEL...which on most sailboats puts it 2-3 FEET above the bowl. All toilet installation instructions include a drawing showing the correct way to do it. You can download the instructions for your toilet from the mfr's website. I can provide you with a link to all of 'em if you need one.
As for inaccessible seacocks, MOVE them to an accessible location or install a hatch to provide access.
And finally (for now anyway)...when confronted with a "should I...or "is it really necessary..." choice, always remember that you can never go wrong erring on the side of caution. It's also a good idea to read the instructions
before all else fails!